Florida Motor Vehicle Insurance
Reader’s Question:
I am currently living in Florida and will be registering my car in this state. I have my own car insurance already that has been issued in another state. Do I still have to get a Florida motor vehicle insurance policy?
Eleonore
Miami FL
Yes. It is mandatory that your motor vehicle insurance policy with the required minimum insurance coverage is issued through an insurance agent representing an insurance company licensed to sell insurance policies in Florida. Most of the insurance companies in Florida are licensed to issue Florida motor vehicle insurance. These companies must be licensed by the Florida Department of Insurance. Any vehicle with at least four wheels to be registered in Florida must have insurance. As for the case of motorcycles, issuance may not be required for registration under certain circumstances. In your case, you can seek the help of your insurance agent in Florida to transfer your present vehicle insurance to Florida when you register your vehicle.
However, if you leave Florida for at least six months, you may surrender your Florida registration to your local driver license office to avoid maintaining your insurance policy. You can register your vehicle anytime you come back to Florida. The proof of Florida insurance must be presented.
Even businessmen who are not Florida residents but have operations in the state for a few months at a time must comply with the Florida insurance law. Those who has vehicles in Florida for more than 90 days within a 365-day duration must have personal third party liabilities insurance coverage, even if the 90 days are not consecutive.
Your Florida motor vehicle insurance must have a coverage of $10,000 for personal injury liabilities and and $10,000 for property damage liabilities as long as your vehicle is registered under the Florida tag. This also applies even if your vehicle is in another state.
If you fail to provide a Florida motor vehicle insurance for a Florida-tagged vehicle, you run the risk of having your driving privilege and your vehicle registration suspended by the Department of Highway Safety and Motor Vehicles for up to three years or until you can provide proof of having Florida vehicle insurance. To reinstate your suspended driving privilege, there is a fee of $150 and up to $500 for subsequent violations. Providing proof of active Florida insurance is also mandatory.
Auto Insurance Coverage Miami Florida FL
Reader’s Question:
I am moving to Miami Florida next month and I will also buy insurance for my car. What coverage are required in the state of Florida? Where can I buy car insurance in Miami?
Joe
Miami FL
Drivers in Miami are required to have auto insurance. Apart from being a state requirement, having auto insurance helps drivers in protecting themselves against a unexpected expenses resulting from a car accident.
In Florida you are required to get PIP, in addition to Property Damage Liability coverage with a minimum limit of $10,000.
The state law does not mandate a minimum coverage for Bodily Injury Liability coverage, but if you get involve in an accident, you might be required to get this. It is recommended that you purchase at least the minimum Bodily Injury Liability coverage.
Drivers should go online if they want to save on their expenses on auto insurance in Miami as there are a lot of websites that can give them cheap auto insurance policies. Most companies offering cheap auto insurance in Miami are able to lower their rates because having their business online cuts down their overhead costs. These savings are then passed on to clients. Do not forget to ask for discounts. This can lower your rate.
Car Insurance With Suspended License Miami Florida
Reader’s Question:
I have a car but I was just wondering if it is possible to get car insurance for my car if my license is suspended here in Miami FL? Can someone else insure it for me?
Bryan
Miami Florida
Yes, some insurance companies in Miami FL may insure your car even if you have a suspended license.
I heard some car insurance companies will all low you to get car insurance for your car however they might ask you to , but they will require you provide them proof of it’s reinstatement within thirty days from your car insurance policy’s effective date otherwise your car insurance policy will be cancelled.
There are also a few car insurance providers that will permit someone else to insure your automobile for you in their name, even if that person has no insurable interest in your car. These car insurance providers may still require that you as the owner be listed on the policy. Sometimes, you can be listed on the policy, however you would be excluded and not covered under the policy terms and conditions.
I am not sure if the driver may be listed on the policy if they have suspended license. Maybe they will need to be excluded due to their license status. To get more information regarding this, it is best to speak with Miami FL car insurance companies if they can insure your vehicle with suspended status.
How Much SR22 Insurance Do I Need?
Reader’s Question:
I need an SR22 insurance in Miami. How much SR22 insurance should I get?
Gary
Miami FL
If you’re trying to obtain Miami SR22 insurance, then the insurance coverage you need is the amount which is mandated in the state of Florida. The state of Florida required coverage is really set pretty low, and will not be enough to cover damage in your vehicle and other injuries that you may cause. Auto insurance providers suggest that you obtain more insurance coverage to get you fully covered, but of course that would also mean additional payment. Before I go on, here’s what’s actually required minimum liability coverage in the state of Florida:
- $10,000 of bodily injury liability coverage for a single person
- $20,000 of BIL for the whole accident
- $10,000 of property damage liability coverage
Florida confused itself last year and spent a few months in confusion about what exactly its car insurance laws were, but as of the first of January 2008, no fault car insurance is back. But here’s the no fault insurance you’ll be needing:
- $10,000 of personal injury protection coverage
- $10,000 of property damage liability coverage
Florida Vehicle Insurance
Reader’s Question:
What are the various types of vehicle insurance that I can get here in Florida?
Stephen
Miami, FL
There are a lot of car insurance companies providing many car insurance policies in Florida. Each car insurance policy has its pros and cons which a car owner like you should consider when buying vehicle insurance.
The most expensive type of Florida vehicle insurance is the comprehensive car insurance. As its name suggests, this type of insurance is very much complete in features. It covers you against all sorts of damages and accidents. You need not worry about the damage brought on your vehicle, whether it was caused by acts of nature like floods and typhoons, or another motorist. You will be properly compensated depending on the damage that your vehicle incurs if you have a comprehensive car insurance policy.
Another type of Florida vehicle insurance is the bodily injury liability coverage. It covers you against an accident that causes injury to another person or motorist. You can also get a property damage liability insurance which takes care of the expenses needed to cover a damage to a particular type of property.
You may also want to protect the goods inside your vehicle if you purchase a theft liability insurance. Another type of Florida vehicle insurance is the non owner car insurance which covers for the damage brought by a motorist who does not have his own car insurance coverage.
Cheap Car Insurance In Miami
Reader’s Question:
I don’t have enough money to purchase a good car insurance in Miami. Any tips on how to purchase a cheap car insurance here?
Udonis
Miami, FL
Cheap car insurance in Miami is very much attainable as long as you know where to shop. You have two good ways to shop for cheap car insurance in your area- via the Internet or through the yellow pages. Both have its advantages, although most experience car insurance owners would admit that the Internet is your best resource on cheap car insurance policies in Miami.
Start shopping for cheap car insurance in Miami by browsing cheap car insurance websites. There are many of them, in fact numbering to hundreds. All you need to do is to exercise some patience and diligence when shopping. Do not purchase a car insurance policy unless you know what you are getting into. Clarify first with the broker or agent of the cheap car insurance company before you purchase the car insurance.
You can also do the old way, and that is to browse the yellow pages for cheap car insurance in Miami, and then calling up each company. However you will have to allot more time in doing this. But the great thing about this is that you can get to explain the car insurance representative right away if you contact them through the telephone.
Just be patient and diligent in shopping and you will definitely have a good chance of getting cheap car insurance.
Cheapest Florida Car Insurance
Reader’s Question:
Please point me to the cheapest Florida car insurance or how can I find one?
Kevin
Miami FL
To be able to get the cheapest Florida car insurance you will need to shop around among the insurers to get the most attractive prices. To do this, you should call or visit local insurers in Miami to be able to obtain discounted rates. You should tell insurance agents what you need or how much you are willing to pay for your coverage. You can also go online to look for the cheapest Florida car insurance by using the quick quote calculators provided by insurance brokers or by the insurers themselves. When you have as many quotes as you can, you can already choose the policy you want for your vehicle. Shopping for cheap quotes is one way of finding the best deal.
There are other ways to help you obtain the cheapest Florida car insurance. The type and model of your car is an important factor when insurers calculate the premium. Cheap rates are normally given to cars that have safety features, no modifications and are running on small engines. If you are driving a fancy and fast car, you should consider shifting to a smaller and a less pricey car. Do not stay too much behind the wheel of the car to lower your mileage. These are just simple things that will go a long way towards lowering your premium.
SR22 Insurance In Florida
Reader’s Question:
Hi! I’d like to know if my non owner SR22 insurance in Florida will be accepted if I drive in New York. Thanks.
Dwight
Miami, FL
Yes, your SR22 insurance in Florida will be accepted or honored in New York. If you bought your SR22 insurance to save on auto insurance, then you don’t have to worry about driving around in New York. Your SR 22 insurance policy gained in Florida will be honored there.
Normally, SR22 insurance in Florida is requested from a driver based on several conditions. First, it may be required from a driver involved in a major traffic violation and was not able to show any proof that he or she has insurance coverage. SR22 insurance may also be required from a driver whose car was involved in a traffic accident and subsequently cannot show insurance to cover the damages. Both of these situations can result to a driver being asked to file SR22 primarily to certify that the driver is aware of his financial responsibilities.
In your case, since your SR22 was obtained just because you wanted to save on your car rental insurance, then you can still drive around any other state with your SR22 insurance.
Auto Insurance for Males Florida FL
Reader’s Question:
I am 22, male and a graduating college student at the University of Florida, but I am a resident of Miami. Why does my younger sister (19 years old) have a lower rate insurance policy quote than me when I am a more responsible driver than her? She comes home drunk almost every night. I’m perplexed by these sexist standards.
Richard
Miami, Florida
Good for you, Richard! You give 22-year-old male drivers a good name. Unfortunately, most of the male drivers your age have a different opinion of what constitutes being an ideal driver. As stereotypes go, college age kids are most aggressive when behind the wheel and more likely to get into accidents, thus sucking the cash out of the car insurance company’s hard earned profit. So, for as long as there are many testosterone-induced accidents, you can’t be awarded lower premium.
However, there is hope. In three years, you will be 25. That will make your sister 22 years old. And you know what that means? Another algebra problem involving age differences! Just kidding. Actually statistics show (Oh, it’s too bad statistics can’t separate the good male drivers, the bad male drivers, and the bad-female-drivers-who-happen-to-be-your-sister) that when you get to 25, the data is more or less the same. So, when you reach this age, the chances that a male or female driver is involved in an accident are almost the same. Therefore, you can enjoy lower car premiums by then. Well I would like to think that the reason why statistics even out by that age is that the college age “evil” drivers are dead by that time. Or as I’ve watched this humorous video clip, it is because when we reach 25, we go to this second puberty, where all of a sudden we have this urge to drive safely.
And if your sister comes home drunk every night, one of these days, she’ll get caught and be convicted with DUI. And Florida law states that she can have her license revoked, either be sent to jail or do community service. Best of all she will be charged higher premiums! You don’t have to envy your sister, anymore!
Tags: auto insurance premium, DUI, Female Car Insurance, women car insurance
Shopping for Auto Insurance Florida FL
Reader’s Question:
I have had multiple speeding tickets and am worried that my auto insurance provider will refuse to renew my policy. What can I do?
Jill
Miami, FL
Auto insurance providers generally will not refuse to renew your policy. They may increase your premiums, though. This is because insurers think that motorists who receive citations are high risk, thus they need to pay more. Motorists who have received Florida traffic citations are given the option of paying the ticket and taking online traffic school. By taking this course, you will qualify for a fine reduction. Your safe driver record will also be maintained since there will be no points on your driving record. This means that your auto insurance provider may not increase your insurance rates so long as there was no wreck associated with the ticket. You can also choose to attend a classroom course on Florida Basic Driver Improvement. This can only be taken once in any one-year period, and not more than five times in your lifetime. This course is permitted by the State of Florida to teach defensive driving techniques.
About your insurance renewal, if your insurer declines to renew your policy, do some more shopping. Auto insurance companies use different methods to determine your risk. You might want to inquire from an independent insurance agent since they usually represent multiple companies. This will save you time because you can find out about many insurance companies and what they offer instead of calling each of these companies individually.
Tags: auto insurance premium, traffic school, traffic violation
